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May got out to a lightning start for me, continuing the torrid April pace for a while before cooling off a bit in the back end of the month. That's partially by design, as I jumped into a pair of longer games (one enormously so) which I won't finish until deeper into June, but I've also noticed I'm slowly bleeding gaming time from my evenings. As my kids get incrementally older and the days grow incrementally longer entering summer, an hour that would previously be my own is now deferred to them, and that adds up over the course of an entire month.
Not that I'd trade my kids, you understand.
(Games are presented in chronological completion order; the numerical indicator represents the YTD count.)

#27 - Contra: Hard Corps - GEN - 8/10 (Great)
It's been fascinating to watch the Contra series evolve over time, and Hard Corps on the Sega Genesis is no different. With no Mode 7 (the SNES' proprietary isometric viewpoint mode) available on the system, necessarily some of the top down content from Contra III would need to be altered or removed, and that begged the question of what would take its place: after all, a return to basic sidescrolling action might feel like a big step down, and we can't have that. So I think I expected Hard Corps to throw in a new wrinkle to keep the formula a bit more fresh. What I did not expect was for it to make three enormous changes.
For one, Hard Corps has four different characters to choose from, and each is actually unique. It's not just the look - where else can you play a cybernetic wolfman? - but they've got different sizes and hurtboxes as well. And while each starts with the same basic low power machine gun, each has a completely different loadout of possible weapon upgrades, ensuring that all four play very differently from one another outside of the fundamentals of movement. To that end, the two weapon toggle of Contra III is expanded in Hard Corps, allowing you to hold all four of your upgraded weapons simultaneously and switch between them at will, which adds a new layer of depth and strategy to the action. Building upon this notion of enhanced player choice even further, the second big change is that the game has branching paths. After the first stage you make a choice that determines where you head for the second level, and then later on you make another choice that creates further divergence, such that the game has four main endings (and a secret fifth!), all with their own dedicated unique stages. It's for that reason possibly the most replayable game so far in the franchise; I myself did a run through of each ending using a different character per run to get a feel for them all.
This leads to the final big change, which is the only one I don't regard a resounding success: the entire game is basically a boss rush. Let's zero in on the main path that I followed on my primary playthrough and add up all mini-bosses and full boss phases. What number might you expect that to come out as? A dozen or so? Well, sorry about your naiveté, but the answer is 43: it's bosses all the way down. This is a MUCH more mentally taxing load than previous Contra games where you could kind of skate through the non-boss sections with good fundamentals. And that's just one of four possible paths through the game! It's absurd! It's also way more fun than it sounds it would be from the description, but I've heard people say Hard Corps is the toughest Contra game and now I know why. I do miss just running and gunning and dropping dudes in one hit before a thrilling finale; it's hard to be properly wowed by a boss fight when that's all you ever see. But nevertheless Contra: Hard Corps is lives up to the legacy of greatness the franchise had up until that point established...just steel yourself mentally for the extensive memorization it requires of you.

#28 - Ancient Enemy - PC - 5.5/10 (Semi-Competent)
Solitaire is one of those games that nobody really wants to play. It’s a game of convenience and opportunity, only attractive in the absence of something better, which is to say “nearly anything else at all.” Slightly more entertaining are variations on the form, such as Mahjong Solitaire or Free Cell, where certain cards/tiles are locked until the ones above them have been cleared away. These are still just time wasting games for people with nothing else to do, but when presented as a discrete set of challenges there’s a bit more appeal. Do you know they say that every one of the 32,000 numbered games of FreeCell on classic Windows operating systems was supposedly beatable? Did you know a very bored teenage me once decided to see if I could prove it by playing and beating every single unique game of FreeCell in order? I got into the low 30s or so before I questioned what the hell I was doing with my life and wisely moved on.
Well, Ancient Enemy is a game for people with nothing better to do, masquerading as a game that would qualify as "something better to do." It’s an RPG, I guess, but the gameplay revolves entirely around a solitaire variant. You have a deck of “stock cards” numbered 0-9 and start each encounter (“hand”) by flipping the top one. Then on the board you have to collect a card with a number adjacent to the one you’re displaying - 0 serving as a bridge between 1 and 9. Getting a card reveals any card trapped immediately below it and enables that card to be collected as well. If you can’t make a move, you can flip a new stock card over to get a random new number until your deck runs out. Some levels are simple puzzles in this vein, trying to clear all the cards from the board. Most encounters though are battles, where you do the exact same thing, except the color of the card you collect enables you to attack, defend, or cast a spell. So it’s turn-based combat, except each turn is you basically clearing as many cards as you can from the board to juice up your attack or bolster your defense, and that’s about it.
Now, at first, this is actually way more fun than I’m making it sound. I mean, I like solitaire type games for what they are, and the extra mechanics definitely do enrich the experience. You get consumable wild cards, battle boards have bonus cards with instant benefits, you get powers that manipulate the board, new types of cards appear, all good stuff. The problem is that the game completely runs out of these new ideas about a quarter of the way through, at which point you’re just going through the motions until the end, accompanied by a complete nothing of a story that I was confident I had figured out, only to find that the ending was somehow worse than the cliche I’d been anticipating. Thus, the game sadly settled into that exact same niche of games it was supposed to improve upon and supplant. Which I suppose is ok…if you’ve got nothing better to do.

#29 - Snakebird Primer - PC - 7/10 (Good)
I follow a general rule of always playing game franchises in order, but Snakebird Primer is a unique case wherein the developers of the original Snakebird decided that it was too off-putting to new players, and so they made a sequel that they explicitly wanted newcomers to play first. A "primer" in truth to ease you into the overall Snakebird challenge, as it were. So when I decided to check out Snakebird, I thought all right: just this once I'll do it your way.
So how does Snakebird Primer shake out? Well...it's fine. It's a jaunty kind of puzzle game, with bright colors, friendly art and music, and general good vibes. In each stage you control one or more segmented "snakebirds" and have to get them all to the rainbow portal to complete the level. Sometimes you need to eat fruit to open the portal as well, but that's the entire game in a nutshell. It's a very simple concept, complicated only by the fact that a snakebird that has no body segments touching the ground will fall, and so each stage is a kind of pathing challenge, tasking you to figure out the right order of operations to reach the end. The levels are very well paced and designed if you just go in order: there aren't any hand-holdy tutorials, but new ideas are introduced organically at various intervals, and the challenge always feels reasonable, especially because you can undo any number of moves at will, like stepping through code to find an error.
There is, however, a significant difficulty spike for the last couple levels, which is pretty jarring. And when you add to that the fact that the designer of Baba Is You said he built a lot of his design philosophy around the original Snakebird, I've got to admit I'm a lot less keen on checking that one out. It's in that same realm of "enter these six dozen commands in precisely the right order" that made Baba Is You eventually feel more tedious and frustrating to me than anything else, so I think for now I'm happy to have just played the "lite" version instead.

#30 - It Takes Two - PS4 - 8.5/10 (Excellent)
When trying to write down a genre for It Takes Two in my tracking spreadsheet, I wanted to put "Yes". It's as though the developers wanted to make a bunch of different kinds of games and, rather than accepting any limitations (self-imposed or otherwise), they just found a way to do it all at once. It Takes Two is a platformer. It's a third-person shooter. It's a puzzle game. It's a rhythm game. It's a racing game. It's a stealth game. It's a boss battling action adventure. It's a minigame collection. It's a romantic comedy. It's an exploration playground. One minute you're flying around on a jetpack chucking Captain America shields at devils and the next you're literally playing a timed game of chess. None of the things that It Takes Two does would be characterized as masterpiece forms of their respective genres, but that's not the point. There's sufficient depth and development of each mechanic that it never feels like a lazy tack-on to check a box - and that in itself is beyond impressive - but it's the sheer number of different ideas tossed into this package that make it truly special.
It's hard for me to even review this game, frankly. Part of that is because I feel a strong bias towards the game for the audaciousness of what it tries to achieve, and for the way it inspires me to keep stretching myself in new ways however I can. But it's also hard because I don't remember the whole thing. It Takes Two is both fresh in memory, having just finished it, and yet far away and mingled in my mind with similar bits of similar other adventures (Tearaway foremost among them). Why is that? Well, I first booted up It Takes Two in May of 2022 as a co-op experience to share with my wife - quite fitting, as it turns out, given the nature of the game's plot of trying to reconcile an embattled couple. We'd only play in smaller bursts of 1-2 hours at a time, but every session we played it felt like we were playing a new, different game. Music to my ears, but much harder on my gaming-challenged wife, who took longer to adjust to each mechanical shift. Pretty soon we were playing less and less often, even as I was playing a game like Tearaway early on that occupied some similar design space in my head. Soon we stopped playing at all. When I tried to suggest resuming this title over the past year, I was repeatedly rebuffed until finally a month ago I managed to wear her down enough that we picked it up again for about an hour a week. So it is that the first half of the game is fuzzy and nebulous to me, even as I recall that I loved playing, whereas the back half is much fresher, and it's nigh impossible for me to separate my wife's frequent frustrations from my own experience - especially since I've been playing on a controller experiencing heavy stick drift, so managing the camera was a nightmare through no fault of the game's.
All that said, how could I not recommend this game? It's best played with two experienced gamers, but the story only fully lands if you play as a couple, so there's a bit of potential for a disconnect there, as I experienced. It's not a perfect game. But it is an incredibly ambitious one that had me routinely grinning from ear to ear, despite the grumblings on the couch next to me. When I pointed out to my wife that we finished the game in May 2024, almost to the day when we started back in '22, she said "They should've called it It Takes Two Years." We're both glad it's over, but I think for very different reasons.

#31 - Rogue Legacy 2 - PS5 - 7/10 (Good)
Some game sequels try to really shake things up and try something different from the one before. Final Fantasy is probably the biggest and most obvious example of this, but you can also see it in virtually every Super Mario Bros. game, in the Castlevania series, and the list goes on extensively from there. On the other hand, some game sequels treat their predecessors like rough drafts to be perfected. With these, the idea is to take the vision for the previous game, use the increase in time/budget/developer expertise now available, and try to execute on it more completely than was possible before. When a game like this is successful, there becomes almost zero reason to ever play the original game (other than possibly its story), because the new version has replaced it entirely as the definitive experience.
Rogue Legacy 2 is one of these latter types of games. Everything from the first game is pretty much still there (bosses excepted): enemies, basic combat and room design, character classes, traits, progression, etc. It immediately feels like "Hey, I've played this before," yet a cursory look reveals a huge wealth of additional content over the first game. Classes are better differentiated, you get new weapons, more spells, special abilities, new items, new upgrades, new explorable regions, new mechanics, new new new. It truly is a total replacement for Rogue Legacy 1 in this regard, a "go ahead and uninstall that thing forever because we've got it all right here and then some" type of mission statement. I was amazed at how I kept finding ever more avenues of progression and discovery, even many hours into the game, In fact, I never did manage to play as every class, and each class has a variant form as well, most of which I didn't even unlock. It's overflowing with stuff.
And I think that's why it didn't work quite as well for me as the first game: it's all too much. Now there are four different types of currency, all acquired in different ways, all for different upgrade paths. You're always competing with yourself on what to level up between runs because there are too many choices and all of them seem pretty good, but as you're finding your early groove the game throws a big wrench in there: labor costs. While each upgrade has a set gold cost that increases as you level it up, early on the game adds a universal tax mechanic to the entire upgrade tree, making it increasingly prohibitive to spend your money on stuff, and it feels awful. Rogue Legacy 1 had a similar system where each upgrade cost 10g more than the previous, but in the sequel these escalate far more rapidly, to the point where you'll complete a huge run and still feel like you can only afford one or two upgrades that barely move the needle. It's a pure inflationary grinding system meant to pad playtime, and I'm not about that. I played RL1 through multiple New Game + levels, but I was thrilled to beat RL2's final boss and move on because the economy is so frustrating. Other than that though, it's got quite a lot going for it.

#32 - Undertale - PS4 - 7/10 (Good)
When is some information too much information? Undertale is notorious for its rabid fan community insisting that there is only one "right" way to play the game, and so if you've ever heard of Undertale there's a good chance you already know what that preferred method is: pacifism. Undertale takes a unique approach to the JRPG in two primary ways: first, that defending against enemy attacks is an active system pretty much akin to dodging in a bullet hell game, and second that you almost never actually need to choose the "Fight" command from the battle menu in order to succeed in an encounter. The argument from the community is that you must play in this fully pacifist manner, largely because of a design decision that thoroughly punishes players who do not, only revealed after the game's conclusion. Thus, these players are "helping" curious newcomers by saving them from falling victim to a fairly vindictive design choice that would create a lot of frustration.
The problem with that approach is that Undertale makes it abundantly clear from the outset that you have the option for these alternative combat approaches, trains you on how to use them, and then gives you a positive feedback loop for choosing that direction with your gameplay. Which means the discourse surrounding this game effectively undermines not only the game's own ability to surprise and educate you, but also the authorial intent of that same design decision, which in context is a conscious player decision to go against the grain and suffer the possible consequences of doing so. In short, I wish I'd never heard of Undertale before I played it, as I'm sure I would've had a much better time.
As it stands, Undertale is still a highly creative take on the genre that, despite an aesthetic I didn't care for and writing that leaned a bit too hard at times into "lol I'm so random" territory for my tastes, still managed to get me invested with some of its characters and even make me laugh aloud at times. I was particularly impressed with that aforementioned approach to combat, as each enemy introduced unique hazards to avoid, so fighting a new monster was far more exciting here than in a standard turn-based RPG where the only meaningful question is "How much damage did this whatever move do to me?" So for those reasons I applaud Undertale. Even still, there's a lot of walking back and forth with no major purpose beyond "it was decided the game should be a little bit inconvenient here," adding some unnecessary tedium to the mix. In short, Undertale's a generally good time, but if you want it to be even better, just pretend you haven't read anything I just said.

#33 - Marvel's Spider-Man: Miles Morales - PS5 - 7.5/10 (Solid)
2018 was a big year for Miles Morales. In the fall he showed up in the PS4 title Marvel's Spider-Man as a major supporting character, and by the end of the year he was stunning cinema audiences in the fantastic Spider-Man: Into the Spider-Verse as the primary protagonist. It's no surprise then that by 2020, with his brand so hot, Sony and Insomniac Games would cash in with a follow-up title to the hit PS4 game with Miles front and center. And for the most part, the game is what you'd expect it to be from that basic pitch: more of the same from 2018, only focusing on Miles' family, his new home of Harlem and its people, and his path to becoming a fully fledged hero in his own right. That's all fine, but here's the problem: all of it has been done better before, and recently to boot. Miles' story of personal growth and family drama was handled better in the Spider-Verse series, even though MSM:MM wisely walks chooses to walk some different beats along the way. "Superhero of Harlem" was done masterfully by Netflix with the Luke Cage series (the first season, at least) back in 2016, and MSM:MM doesn't even try to address any issues beyond the most surface level. And the "more of the same" gameplay?
Well, admittedly that's still pretty good. Web swinging is as fun as ever to the point that there's an XP challenge to web swing at high speed for a full cumulative hour of real time and I caught myself thinking, "Hmm, maybe..." There are fast travel points that unlock relatively early on, but the joy of traversal feels like the main point of the game, so why would you bother? Miles also gets some new Spidey moves related to his bio-electric powers, and these are really fun and impactful to pull off, such that "more of the same" isn't in this case a damning phrase. And yet, it's also distinctly not "more, but better." In order to emphasize your new powers, the goons you fight (now including women for the first time I can recall ever seeing in a superhero game like this) have upgraded their own abilities as well, which means the simple pleasure of chaining big combos is a bit diminished. Maybe this enemy just blocks all your basic attacks and stops you cold. Maybe this one turns the tables to dodge and counter you. Or maybe you're just constantly surrounded by a flood of dudes with guns and rocket launchers and you feel like you never get a chance to press "punch" without being thoroughly punished.
Now add to that the game's relatively brief length and general lack of meaningful activities compared to its predecessor, as well as its truly awful villains and the ho-hum plot that they service, and you've got a title that's decidedly a step back from what came before. Of course, what came before was excellent, so even a step back still lands you in territory that's quite fun to play around with. My 6-year-old summed it up best when he came downstairs to ask me a question one day and caught me playing: "Whoa...how are you Spider-Man?!" Which is to say that Marvel's Spider-Man: Miles Morales is a game that really makes you feel like a wannabe Spider-Man who hasn't gotten it all figured out just yet. And I guess that's all right.

Coming in June:

I've had less time for PC gaming lately for a couple of different reasons, but I'm expecting that to be a temporary thing, and I don't think I'm in danger of failing to finish Mass Effect 3 by the end of June. I didn't realize the version of the game I had included all the DLC. Nor did I actually know what any of the DLC was. So I was quite a ways into the game and feeling great about my progress when I got suspicious that the section I was playing wasn't actually base game content. I looked it up and found that, in fact, about 90% of what I'd played to date was DLC and I'd barely actually started the base game itself. That explains why the main story was taking a while to get off the ground, at any rate.
Speaking of getting off the ground, my journey through The Legend of Zelda: Tears of the Kingdom began impatiently a few months after release, but I took an extended break from the game and have now spent pretty much all of May continuing my thorough trek through the game world. I'm well over 200 hours into the game and am only several days away from having explored the entirety of the game's map. At which point I believe I'll finally advance the main quest past its initial stage.
In my review for Rogue Legacy 2 above I mentioned the Castlevania franchise, which I feel I can speak to as a whole given that I've finished nearly every game in the series to date. Unsurprisingly I felt most drawn to the metroidvania style games, so there was a layer of disappointment in exhausting the last of those to discover. Disappointment that will soon be temporarily eradicated when I boot up Bloodstained: Ritual of the Night, produced by that same creative mind.
And more...

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Goal: My wife (27F) and I (27M) are looking to purchase a new home in the next 2 years.
Income: Total combined comp is 275K in very stable jobs. We max out 401Ks and IRAs. Total take home pay after taxes and retirement is ~12K per month.
Expenses: We currently own a 1B condo (3.1% rate) in a HCOL city for 3K per month all in (mortgage + taxes + HOA). I am graduating from part time grad school program next year and expect to have about 100K in student loans (7.5% rate) at the end of 2024. We currently pay 3K per month towards the loans. Total expenses comes to ~10.5K per month
Savings: We have about 35k currently in a HYSA and add an additional ~1.5K per month into the HYSA. Total retirement accounts are at 200K.
Dilemma: We won’t be finished paying off student loans for a few more years if we keep our current pace. Having 25% of our paychecks going towards school feels aggressive, but it is comfortable. We would like to have 100K-150K ready for a down payment when the time comes for purchasing a home. Should we reduce the student loan payments to prepare for a down payment? Should we keep our current allocation and just put less down on a new home? Is it possible to be too aggressive with retirement/should we shift some retirement allocation towards paying student loans?

Hello everyone !
I’d like to start this post by thanking the community as a whole for the real treasure trove that is this subreddit’ and it’s wiki in particular, it really contains a lot of information and resources to get started!
After having read everything I could find there very thoroughly, I wanted to get some quick feedback on my plans on how to get started on this investment journey. There are many things that I read where I wasn’t sure if they were still valid, so I would also like to know if some of the assumptions I’m taking make sense.
My personal situation is the following: I’m 29, working as Data scientist in a consulting firm, I earn a bit more than 3.4K net per month (with 13th month, meal vouchers, etc to be added as well), and I spend about 1.8K-2K per month (I pay 850€ for rent). I’ve been quite careful with my money ever since I started working so I’ve managed to put some money on the side, here is the breakdown:

10K on my deposit account
15K on my savings account (not bringing much in terms of interest but better than on deposit I figured)
20K in ‘bons d’états / staatsbonden’, which I will get back in September with some interests
9K in Comptes-titres since end of 2022, I deposit 200€ on this every month but return is not great (+- 4%)
18K in ‘Argenta Life Plan’ investments since end of 2022, return has been +5% since I deposited
8K in ‘épargne-pension’, that I started in 2017, where I deposit 80€ every month (overall return has been +20% since I started)
9K in ‘pension complémentaire’ paid by my various employers since I started my career

This means that I have +- 45K in cash (including the bons d’états money coming back in September), +- 25K in investments that I can take back whenever I want, and +-15k that I cannot touch until I retire.
Here are my questions:

How much to invest in ETF?

Having read the wiki and JLCollins Stock series thoroughly, I now see how interesting it could be to invest in ETF and let some of my money work for a couple of decades. My first question is about the money to invest in ETF, knowing the following elements:

I’d like to keep some sort of emergency fund of about 10K, to pay for unexpected expenses or for my fees during periods in between jobs (I’m thinking of changing job soon)
I’m thinking of buying a flat or a house in the coming years, my girlfriend will help but she has far less money on the side (15k) and my parents can probably lend me some money to get enough to ask for a loan from a bank
Given my current revenue and spending level, I put approx 1K to 1.5K on the side each month

I was thinking of investing the 15K I have on my savings account into ETF now, add all the money I put on the side each month in there as well, and then add the 20K I will get back in September to that pile. This would mean I would keep about 40K in my deposit account and other investments where I can take the money back easily, to buy an apartment for instance.
Does this seem like a good ratio?

Which broker?

My second question would be about the broker to go with for this investment. I am quite risk averse in general and reluctant to have to declare some revenues to the tax authorities myself, so I found using a Belgian broker like Bolero quite appealing. Knowing that I do not plan to withdraw that money anytime soon, I don’t know how the different fees and taxes they charge could impact my overall profit vs. If I went with a foreign broker like Degiro.
Could someone help me get a better view on this?

What ETF?

In the JLCollins stock series blog posts, he mentions Vanguard products a lot and their returns seem quite appealing indeed. I originally thought of buying VWCE, but it seems like the TOB has recently been increased, making it less interesting than other ETFs, correct? The wiki also recommends IUSQ, is this commonly seen as the better choice now? Or does it make more sense to buy a Developed markets fund and an Emerging markets fund rather than an All-world one?
Many thanks for your help and your feedback !!

I got a letter from SLC saying I only have 1 year left of payments remaining. They’ve recommended I switch to direct debit to prevent overpaying my student loan via auto cut from my PAYE.
I have two main questions:

Do I still have to pay 10% of my post-tax income if I switch to direct debit student loan payments? Let’s say I pay £350 per month via PAYE, when I switch to direct debit, can I choose a lower payment like £250 per month?
With a direct debit, what would happen if I chose to take a career break and I wasn’t earning anymore? Would I still need to make direct debit payments? According to Payment Plan 1, we only need to pay off our loans when we’re employed and earning over a certain threshold. Would this work with direct debit?

Of course I will get in touch with them, but would love to hear if anyone else has done the same?
Thanks to anyone that can help!

“I told you there would be nothing in that military check point,” Barrett said. He cleaned his hands from bloodbug residue. “Only abandoned cars and empty cigarette machines.”
“Okay, I was wrong!” Simon admitted. “Is it my fault that I have hope?”
“No one ever knows out here,” Kevin chimed in.
Simon affectionally grabbed his youngest brother by the shoulder.
“See, Barrett, this is what a supportive brother sounds like.”
Barrett grunted.
The three brothers continued to follow the broken asphalt road. In time, the sky above them disappeared behind the ruins of an interstate highway. Its massive concrete columns towered over the horizon. It had cast a long shadow over their route.
Kevin stopped his brothers.
“Is that an elevator?” He pointed to the yellow cable lift that ran up to the overpass.
“I’m not using that,” Barrett quickly responded. He touched his stomach unconsciously, cognizant of his size and weight.
“Yeah, that might be an adventure for another life time,” Simon said, noting the precariousness of the cables that rose up to the ruins of the highway overpass.
Kevin pursed his lips with a modicum of disappointment. As the youngest and smallest of the three, he possessed more daring than his brothers combined. Perhaps this difference was due to the inexperience of his age or the simple fact that Kevin had a different mother than Barrett and Simon. His courage may have been a genetic inheritance that the others lacked.
“House!” Simon spotted the wooden building before his brothers, who still focused on the elevator and the possibility of ascending it.
“Let me guess, there’s going to be treasure inside of it,” Barrett said sarcastically.
“There could be!” Simon replied.
As the young men approached the building, it became apparent it had been apart of a long abandoned settlement. From their higher-ground perspective, they could see the ruins of several buildings roll down the landscape and into the consuming waters of the Charles River. The houses closest to the river had flooded and slowly rotted in the river’s murky water.
“We got a lot of work to do,” Barrett said. His siblings could hear the smile in his words. They knew that there would be at least one piece of worthwhile loot among these buildings. Barrett, however, wanted more than the natural greed of survival. The big man itched for a real fight.
“Raiders, Ghouls, or Mirelurks,” Kevin asked.
“Five caps on raiders,” Barrett said. His hand dropped to the pipe pistol holstered to his thigh.
“Five for mirelurks,” Simon said.
“I guess, I take ghouls.”
The three men moved closer to the first building. The residence, once a beautiful suburban home, had decayed over the two hundred and twenty years since its owners died in the nuclear fallout. Yet, despite the age of home, its door seemed to have been freshly repaired.
Simon, as per usual, approached the entrance with military tact. Barrett positioned himself behind his older brother. He placed one hand on Simon’s shoulder and the other around his pipe pistol. Kevin checked their flank and readied his pipe rifle.
Simon lifted his hand. He counted silently with his fingers.
One. Two. Three.
He grabbed the door and yanked it open. Barrett entered the building, his pipe pistol scanning the interior of the house.
“Clear!”
Simon followed Barrett. Kevin slowly backed into the building. He closed the door behind him.
“Stairs,” Barrett said to his brothers.
Immediately, the big man took the lead, scanning the floor above him with his pistol at eye-level. Simon followed in the wake of his larger brother, keeping his eyes straight to the top of the landing. Kevin stayed on the first floor. He found a corner, pressed his back into it, and crouched. He kept his eye on the front door.
“Clear!” Barrett’s voice rang through the structure.
“Nothing for nobody,” Kevin said, standing from his position and letting his rifle hang limply in his hands. He thought at least one ghoul would be hiding in the house. Their fraternal bottlecap wager would have to wait another house.
“Cheer up! Better luck in the next building.” Simon said as he walked down the stairs. “Right now, we have some time to loot.”
The brothers began the careful examination of the residential building.
Despite two centuries of rain and snow the building seemed to be in good condition. Clearly, since the bombs fell, a series of squatters had made improvements and adjustments over the years. In fact, the house seemed almost luxurious compared to the standards of the Wasteland. The floors had been redone with new planks of wood. The walls had been scraped of their original wallpaper and painted a light seafoam green. Although the glass from the windows had been long destroyed, curtains hung over the wooden shutters that secured the windows from the exterior world.
“Ooo!” Barrett exclaimed upstairs.
“What’d you find?” Simon called out. He stood at the bottom of the staircase and waited for a sign.
“Caps stash!” Barrett appeared with a grey tin can. He shook it and a number of caps inside of it pleasantly jingled.
“And you thought there wouldn’t be any treasure?” Simon laughed to himself.
“And the fridge is full!” Kevin called.
Barrett rushed down the stairs and joined his brothers at the fridge. Together, they drank a bottle of mostly clean water, each taking sips and passing it to the others. Then, they finished a plate of crispy squirrel bits.
“Almost fresh,” Barrett said, shoving a large handful into his mouth.
Simon continued his perusal of the house as he chewed his last portion of squirrel meat. He went to the living room section of the main floor and rummaged through a chest of drawers.
“Women’s clothing?” He lifted a dress from the chest of drawers and showed his brothers. The light green dress seemed to be in relatively good condition. The clean herbaceous smell of carrot flowers wafted into his nose.
“Someone might still live here,” Barrett said, looking at a bouquet of fresh hubflowers on the table.
Kevin looked from one of the windows. “I think he’s just arrived.”
Before Simon and Kevin could arm themselves, the door opened. An old man entered with two buckets of water. At the very moment he saw these three men, he dropped the buckets on the floor and rushed out of the building. One of the buckets spilled its contents across the floor, slowly dribbling down the front steps. Meanwhile, the old man pressed his back against the exterior wall of the building.
“What are you doing in my house?”
“We didn’t know!” Simon shouted back. “We didn’t mean to trespass!”
“Well, you did. Now, what are you going to do? Kill an old man and take his home?”
“Not if you let us leave unharmed!”
“How do I know that you’re not raiders?”
“You can’t,” Simon shouted back. “You can only make a leap of faith.”
“And why would I that?”
“Well, for one thing, there are more of us than there are of you.”
“Send one man out.”
“No!” Simon responded. “How do I know you’re not just going to shoot him the moment he leaves the building?”
“You can’t,” the old man shouted back. “You can only make a leap of faith.”
Simon felt bested by the old man’s negotiating skills.
“I’ll go,” Kevin said to his brothers.
“No, I will.” Barrett put his hand on his younger brother. He would gladly die in his place.
“There’s less of me to hit,” Kevin bantered.
Barrett grunted, but he could not stop himself from smiling.
Simon thought about dissuading his brothers, telling them that no one was going to leave the house, but this show of trust needed to be made. If things went well, there could be a chance that the three of them could profit from this encounter. Perhaps, they could spend the night sleeping inside a warm house and finally be able to get a proper night’s rest.
“I’m coming out,” Kevin shouted to the old man.
“Unarmed. With your hands up! If I see so much as a big iron on your hip, the deal is off.”
Kevin placed his pipe rifle and his switchblade on top of the chest of drawers.
Simon stepped close to his brother and embraced him.
“If he harms you, I will make sure he suffers until his very last breath,” Simon whispered.
Kevin squeezed his brother tightly and went to the door.
“I am approaching the door now,” Kevin shouted. “My hands are up.”
Kevin stepped over the spilled water bucket and crossed the threshold of the house.
“Keeping going,” the old man commanded.
Once Kevin descended the front stairs and reached the hard ground, he felt the old man sweep behind him and check for weapons.
“Do we trust each other?” Kevin said, letting the old man pat down his sides. “I’m alive, so I know I can trust you, but there are still two men inside of the house.”
“Two, huh? I thought there’d be more of you.” The old man met Kevin gaze. His face was wrinkled, freckled, and scarred. His neck-length beard, once nearly black in colour, had become streaked with grey. His moustache faired slightly better, but it too had begun to pale in his old age. Overall, the old man seemed hardened by his experiences in the wasteland, but, despite this hardness, Kevin noticed a softness behind his eyes. They reflected no bitterness or resentment.
“Now what?” Simon called from inside of the house.
“I’m going to come inside with your friend as collateral.”
The old man drew his 10mm pistol and pressed into Kevin’s lower back. Kevin straightened his posture with a reflexive fear. He climbed up the stairs and back into the house, the pistol never losing contact with his spine.
“Welcome to my home, gentleman,” the old man said. “The name is Duncan. I hope you make yourselves comfortable, although, by the looks of yesterday’s dinner, it seems as though you already have.”
Barrett glanced back at the empty porcelain plate. He wiped his greasy hands on his pant legs.
“Watch it, big guy,” the old man said. “You don’t want to make too many sudden movements.”
Barrett looked into his brother’s face. Kevin seemed calm on the surface, but Barrett could see the fear beneath his composure.
“My name is Simon. This is Barrett, and the man you currently threatening is our brother Kevin.”
“Pleasure, gentlemen.”
“We’re travellers. We’ve no particular destination. We’re just trying to survive.”
“Yes, that always seems to be the story. Why aren’t you getting comfortable in Diamond City or Goodneighbor?”
“We’re new to the Commonwealth,” Simon replied.
“Just arrived,” Barrett added.
“Boys, I’m happy to be your first experience in these here parts, but you’re going to have to leave. I can’t risk any trouble.”
“We won’t be any trouble,” Kevin said, looking behind his shoulder.
“Truly, I would like to believe you boys, but you best be going.”
Duncan stepped aside and positioned himself to the side of the room. He tilted his head toward the door with a quick gesture, encouraging Simon and Barrett to leave.
“Now, please.”
“Can we at least get Kevin’s weapons over there?” Simon asked.
“I’ll toss them to you once you’re out of the door. Just go.”
Simon and Barrett complied. They walked out of the house and down the steps. Duncan led Kevin from his house, allowing the young man to move away from the pistol.
“Grandpapa!”
The men turned to see group of three women approaching the house. Two of them carried heavy bags of harvested food, while the third held a tactical submachine gun in her hands. The three of them kept staring at their grandfather, who kept his pistol held toward the brothers.
The woman with the submachine gun lifted the stock to her shoulder. She knew that with her large drum magazine, she could cut down these three intruders without the need to reload.
“We had a small misunderstanding, ladies,” Simon said with a winning smile. He looked at the woman with the submachine gun. Her short dark brown hair swooped over one of her eyes. She flipped her hair out of the way. “We’ll be on our way,” Simon continued, “once your grandfather hands us our weapons.”
“How about you head on out without them?” the woman with the gun said.
“That’s not fair,” Kevin said. He stepped forward as he said it, causing the woman to swivel her sights on him.
“On more step and you’ll have lost more than your weapons.”
“Woah, woah. Okay, message received,” Kevin said, putting his hands back into the air. “Let’s go, guys. It’s okay. We can find kinder hosts somewhere else.”
“Or, at least, a better fight,” Barrett said with a sniff of his nose. “An old man and three little girls hardly constitute a challenge.”
“I can wipe the floor with you, big boy,” said the woman with the machine gun.
“Audrey!” Duncan reprimanded.
“I’d like to see you try, girlie. Unarmed, one-on-one, you stand no chance,” Barrett said. As he spoke, he took a deep breath and inflated his already imposing figure. The muscles beneath his shirt could be seen flexing.
“Want to try me? Or are you scared of losing to a girl?” Audrey responded.
Barrett roared with laughter.
“Audrey, that’s enough!” the old man said. “Do not aggravate them. They’re on their way.”
“Wait!” the smallest of the three women called to her grandfather. “Can’t they stay? If they wanted to hurt us, they would’ve already.”
“It’d be too risky!” Duncan replied.
“But you’ve always said that people need to come together and rebuild this world,” she said.
Duncan flashed her a quick scolding look.
“Sylvie’s right,” the third woman added. “They can help us around the property.” Her eyes danced over Barrett’s large figure. While her middle sister seemed ready to harm him, she merely wanted to be held by him.
“Audrey, talk some sense into your sisters!” Duncan exclaimed. “You ladies know that we can’t invite people at random!”
“We’d be happy to help,” Simon interjected.
Kevin locked eyes with his young counterpart. Sylvie broke eye contact and looked at her feet.
“Yeah, we can help,” Kevin said a little absent-mindedly. He continued to admire the woman before his eyes.
“Wait a minute,” Barrett said, “This guy pulls a pistol on you and you want to help him? What are you going to do? Fetch him water?”
“We made him to spill it,” Kevin said with a shrug.
“Are you guys out of your mind? How can we trust them? What if the old man and these she-devils are planning to kill us in the middle of the night.”
“Oh, now you’re afraid of me!” Audrey teased, loosening her grip on the submachine gun.
“I ain’t afraid of anything,” Barrett snapped.
Simon bursted in laughter. “Buddy, you know you’re agreeing with the old man, right? He doesn’t want you around because he thinks your going to do to him what you think he’s doing to do to you.”
Barrett squinted his eyes, trying to parse the sentence.
“I don’t like it,” Barrett said.
“Neither do I,” Duncan agreed.
“Well, they’re not staying in the house,” Audrey said. She tilted her swooping hair out of her eyes again. “Give them the rotting house.”
Duncan stayed silent. Everyone looked at him as though it was his decision which made everything final.
“Fine, but I’m standing guard during the night. If one of these boys come creeping in the night, I’ll make sure our walls get a nice new shade of red.”
Barrett nodded his head in agreement. “And I’ll take first watch at our place.”
Audrey turned to her sisters. “Morgan, Sylvie, take the food inside. I’ll show these men their residence.” She adjusted the tactical submachine gun in her arms.
Her sisters did what they were told.
“Gentlemen,” Audrey said, leading the men down the slight hill, “Your new abode.” She kicked the front door, which broke free from its hinges. The wood from the door had rotted from the moisture in the air. Wet dust flew from the ground and an acrid smell spewed from the interior of the building.
“Enjoy.”
Audrey left the three brothers and returned to her home.
The three of the brothers exchanged uncomfortable glances and looked at the building. Kevin approached the doorway and peered into the darkness.
“Ghoul!” Kevin shouted.
His brothers ran into the building with their weapons drawn. Kevin threw his arms around his brothers as they looked at remains of a feral ghoul. It had died a long time ago.
“Pay up, boys!” he said with a smile. “Five caps each.”

I'm setting up the books on quickbooks for the company I got hired at. It's my first bookkeeping job. The company has several machinery and equipment that they bought in 2022 and 2023. Their current accountant never claimed any depreciation expenses and he has no idea how much accumulated depreciation has been accrued so far on those machines. My question is should I calculate the accumulated depreciation till now myself when setting up the books or should I just start calculating it from now on? I'm pretty sure as per GAAP I should calculate accumulated depreciation till today. The problem i'm running into with this is that since their accountant never claimed any depreciation expenses for 2022 and 2023 tax returns, would it cause any issues?

I was a part-time bookkeeper for a company that isn’t paying a portion of the sales tax they collect. They collect & pay the sales tax for a specific product, no problem on that. But, they collect sales tax for work & services they do for commercial business, but they don’t pay that tax to our State. Sorry to be so vague, I want to keep the company anonymous for now. The owner was always in charge of paying the sales tax to the state himself. That duty was never done by anyone else. I worked there for nearly a year, but quit months ago due to the way the business was run and the absolute arrogance of the owner. Ever since I left the company it has been weighing on my mind that sales tax is being collected but not being paid to the state. I would estimate the amount not being paid each month is near or just over $3500.00. So approximately $42,000 per year.
My dilemma…..should I report the business or just let it go? Any input from fellow bookkeepers would help me greatly. Xo

11/20/2017
Log book of Det. Ryan Snow
Case #2798: The Appalachian Murders
When I woke up, I was in such a haze that I couldn’t make out where I was at first. My vision was a blur and all I could hear was the sounds of rushing water. I tried to move my limbs, but each muscle down to my little finger felt like lead weighing down on me, making it hard to breathe.
It felt like forever before the ringing in my ear was slowly swallowed out by a voice crying out from what sounded like a distance only to grow louder as it seemed to approach me from the void I had woken up in. It wasn’t until I heard my name that I recognized it was Kate’s voice, pleading and filled with tears.
I blinked away the blur, finding myself staring up at a water damaged ceiling, a single yellow light brightening the room. My head was pounding and my body still felt heavy, but I moved my head enough to turn and see where Kate was calling from. It took a moment, but I soon realized that she was lying on her back, strapped by her arms and legs to a metal table, looking to me with wide terrified eyes.
“Detective, please help!” She cried out. “Please don’t be dead! Please help me!”
“Bl-Black…Well…” I groaned out as I tried, painfully, to pick myself up off the stone floor, “Black…Well… Ah… Shit… Shit! Ms. Blackwell-“ I was gaining consciousness minute by minute as I finally took in the situation and got to my feet. However, the moment I had gotten to my feet and began running to Kate only to immediately fall back to the floor once again, my ankle getting caught by something heavy. I turned to see my ankle had been shackled to the floor by a cuff and chains. I searched my person to find my coat, along with my Glock had been taken, blood decorating my pants and sleeves. I placed a palm to my forehead to find blood when I lowered it down to look at the warm liquid slithering down from my scalp.
“Ms. Blackwell,” I returned my attention to her, examining what I could from my place on the floor, “are you alright, are you hurt?”
“I… I… I don’t… Don’t think so…” she managed to whine out.
“Where’s Mr. Raines?”
To this question, Kate looked away from me, sobbing being her only verbal response.
I went back to the shackles on my ankle and began trying to yank the chains off from the floor, but they had been well maintained and were too strong for me to simply yank out of the stone. I then quickly looked around the room to find we were in a different basement from the one in Cabin #3, though it had the same kind of layout, the table the only major difference. I also took note of the blood stains that trailed from the sides of the table and the dried pools below.
“I want my mom!” Kate cried out, her voice echoing in the empty room.
“I’ll get you to her, I will, I promise,” I assured her, trying to find something, anything to get us out of this, “do you remember how we got down here?”
“I… I… I just re-remember… Remember you g-getting knocked out… Knocked out by someone and them… Them putting a rag over me… Then everything went black… Then I woke… Woke up… H-Here…” Kate answered, trying to breathe with each sob she let out. “I… I th-thought… y-you… You were d-d-… Dead!”
“I’m not, I’m very much alive and I’m going to get you out of here and back to your parents,” I vowed as I continued looking for a way out of this situation, “we’re going to get you out of here, get you home, and we’ll make sure no one ever gets hurt here ever-“
The sound of the basement door from the splintered wooden steps cut me off. I listened as feet descended down the steps to the basement below, Kate’s ragged breaths the only other sound. The person who came down was a woman. The same exact woman from the photo I had found in her house. She looked as if she had not aged since that photo was taken, despite how long ago it seemed the photo was taken. She had the same exact long, white hair, same tired looking eyes, and same disgustingly pale skin as in that photo and on her profile picture. It was Mrs. Larson.
“Deeeeeetectiiiiiiive,” she spoke in a hoarse voice mixed with what I assumed was her own and several others, both male and female, adult and child, “youuuuuuu shouuuullld haaaaaaaaave juuuuuuusssssst giiiiiven herrrrrrr toooooo meeeeee… Youuuuuuuu diiiiiiiiid nooooooot haaaaaave toooooooo ssssssseeeee thiiiiiissssss…”
“Fuck you!” I shouted, beginning to charge at the elderly woman only to be yanked back by my shackles. “Let us go, right now!”
“Nnnnooooo,” Mrs. Larson replied harshly as she stepped over to loom over Kate.
“Stay away from her!” I barked, trying desperately to break free of my shackles.
She ignored me as she ran a shaky hand down along Kate’s trembling face. “Ooooooooohhhhh, Kaaaaaate… Sweeeeet, sweeeeeeeet, Kaaaaaaaaaate…” Mrs. Larson cooed as she went on stroking Kate’s wet cheek. “Doooooo noooooooot crrrrrrryyyyyyy, dooooooonnnnnn’t thiiiiiiiiiinnnnk oooooofff iiiiiiiit aaaaaaaassssss dyyyyyyyyiiiiinnnnng, thiiiiiiiiinnnk ooooooooffff iiiiiiit aaaaaassssss ssssssssaaaaaaaaaviiiiiiinnng aaaaaannnnoooootherrrrrrrrr liiiiiiiiife.”
“I-I… I d-don’t… Don’t under-understand… w-what th-that… That m-means…” Kate cried, her hands gripping the sides of the metal table beneath her, “P-Please, d-don’t… Don’t kill me… L-Let… Let us-us go!”
“Nnnnnoooooo,” Mrs. Larson answered in the same harshness she used on me, “IIIIIIIII neeeeeeeed youuuuuuuuuu,” she then shot a death glare my way through tired, silver eyes, “aaaaaaaannnnnnd heeeeeeeeee’ssssssss beeeeeeeeeennnnnn nnnnnnnoooooooothiiiiiiiiinnnnnng buuuuut aaaaaa thooooooorrrrrrnnnn iiiiiiinnnnn myyyyyyyyy ssssssssiiiiiiiide siiiiiiiiiiiiinnnnnnnnccccccce youuuuuu eeeeeessssssscaaaaaaped meeeeeeee.” She then looked back to Kate with a softer look. “Aaaaaaaassssss fffffoooooorrrrr whaaaaaaaat youuuuuuu caaaaaannnn’t uuuuuunnnnnnderrrrrrssssssstaaaaaaannnnnnd, IIIIIIIIII nnnnnneeeeeeed yourrrrrrrrrr heaaaaaaaarrrrrt tooooooo ssssssssaaaaaavvvvvvve myyyyyyy ssssssiiiiiiiisssssssterrrrrrrr.”
“The fuck does that mean?” I demanded, still trying to vain to pull my ankle from the chains. “How the hell will Kate’s heart save your sister?”
“Diiiiiiiiidnnnnnn’t nnnnnnneeeeeeed toooooo beeeee Kaaaaaaate’sssssss,” admitted Mrs. Larson, “buuuuuuuut sssshhhhhheeeeee hiiiiiiiiid theeeeee ooooooootherrrrr giiiiirrrrrrllllll ffffffrrrrroooooommmmm mmmmmeeeeee.”
“S-Son… Sonja…” Kate sniffed, the tears still streaming down her face.
“IIIIIIII oooooooonnnnnlllllyyyyy neeeeed fffffffeeeeeemmmmmaaaaallllle,” Mrs. Larson dismissed Ms. Greymoore’s name, “ffffffeeeeeeemmmmmaaaaaallllle heaaaaaaaarrrrrrrtsssss toooooo rrrrrrreeeeeetuuuuurrrrrrnnnnn mmmmmmyyyyy ssssiiiiissssssterrrrrrrrr toooooo theeeeeeee giiiiirrrrrllllll ssssshhhhhheeeee uuuuuuuusssssed tooooo beeeeeee.”
“That’s a fucking joke right?” I asked. “The hell makes you think eating a female heart will turn your sister back into a human woman? Have you seen what’s happened to your sister?”
“IIIIIIIII knnnnnnnooooooow beeeeeeecaaaauuuuusssssse iiiiiiiiiiit wooooooorrrrrked ooooooonnnnn mmmmmeeeeee,” Mrs. Larson explained, “IIIIIIIIIII waaaaaasssss aaaaaaablllllllle toooooo reeeeeeetaaaaiiiiiinnnnnn thiiiiiiiiiisssssss huuuuuummmmmmaaaaaannnnn fffffffooooorrrrrrmmmm ffffffrrrrrooooommmm eeeeeaaaaatiiiiiinnnnnng theeeeeeee heaaaaaaaaarrrrrtsssss, sssssspecifffffficaaaaaaallllllyyyyyy fffffffeeeeeemmmmmaaaaallllleeee sssssssooooooo IIIIIIIIII mmmmmmaaaaaayyyyyy rrrrrreeeeetuuuurrrrrnnnnn toooo beeeeeiiiiinnnng theeeeeeee giiiiiirrrrrrrllllll IIIIIII uuuuuuusssssed toooooooo beeeeeee.”
“You were dead,” I pointed out, “they found your body up here, you were buried.”
“Theeeeeessssssse sssshhhhheeeeeellllllsssss arrrrrrre mmmmmeeeeeerrreeeellllyyy veeeeeessssssellllllssssss ffffffoooooorrrrrr theeeeeeee sssssspiiiiirrrrriiiiiitsssss weeeee hiiiiiiiiiiide beeeeeneeeeaaaaattthhhh,” Mrs. Larson responded, finally turning her gaze to me, “IIIIIIII haaaaaaad tooooooo maaaake peeeopllllle beeeelieevvvve IIIIIII haaaaaad diiiiiiied tooooo keeeeeep frrrrroooommm theeeee poooooollllliiiiicccce ffffrrrrrrooooommmm pooookiiiiiinnnng aaaaarrrrouuuuuunnnnd aaaaannnnnd rrrrruuuiiinnnnniiinnnng eeeevvvveeerrrrryyythiiiiinnnng.”
“So, let me just get this whole thing straight,” I began as I started rubbing my temples, "when you and your sister starting into… Whatever the hell that thing you call your sister is-“
“Ooooouuuurrrrr sssssspiiiiiirrrrrriiiiiit,” Mrs. Larson corrected.
“Whatever!” I shot. “You found out that eating female hearts turns you two back into human women and to keep police from suspecting you, you pretended to be dead and… What? Just hope a shitty real estate agency would buy your property and you could just… Kill people, people with lives and families outside the mountains?”
“Thaaaaaaaat iiiiiiisssss cooooorrrrrreeeeect…” Mrs. Larson admitted, narrowing her eyes at me.
That’s when I began laughing hysterically, holding my sides that hurt with each harsh breath of a laugh I took. Both Mrs. Larson and Kate looked to me as if I had lost my mind and at this point I was starting to believe I had. Everything I had seen and heard about this entire case would put anyone in the looney bin. And I’m the damn fool who dug too deep into something he had nothing to do with.
“Whaaaaaat’s ssssoooo ffffuuunnnny?” Growled Mrs. Larson, stepping around Kate to stand between us.
“I don’t know what’s fucking funnier, honestly,” I chuckled, running a hand through my hair, “the fact that you thing people won’t be poking around even more when they discover not only is Blackwell missing, but so is a detective and escaped convict all of whom now have ties to these fucking mountains and those cabins, or that you thing I’m more afraid of what you plan on doing with me more than I am when her father finds out I got her in this situation in the first place!”
“Heeeeeee wooooonnnnn’t beeeee aaaaabllllle toooooo doooo aaaaaannnnnyyyyythiiiiiinnnng aaaaaaafffffterrrrrrr IIIIIIIII’mmmmm dooooooonnnne wiiiiiiiith booooooth ooooooooffffff youuuuuuuuu,” Mrs. Larson hissed as she inched closer, “fffffffiiiiiiirrrrrrssssst, IIIIIIIII waaaaaannnnnt youuuuuuuu toooo waaaaaatch mmmmmeeeee kiiiiiiillllll herrrrrrr,” she turned her head to look to Kate who was now just shaking, her eyes seemingly gone dry from the crying, Mrs. Larson then looked back to me, “sssssseeeeecooooonnnnd, IIIIIIII wiiiiillllll ssssssaaaaave youuuuu fffffooooorrrr mmmmmmyyyyy sssssiiiiiisssssterrrrr, oooooonnnnne heeeeaaaaart wiiiiilllll nnnnoooot ssssssaaaaaatissssfffffyyyy herrrr huuuuuunnnnnger.” She took another step. “Uuuuuuuunnnnnllllliiiiiike sssssssoooooommmme ssssssiiiiiibllllliiiiiiinnnnnngsssss, IIIIIIIII caaaaaarrrre aaaaaaboooouuuuut mmmmmmyyyyy ffffffaaaammmmiiiiilllllyyyyyy.”
She stared into my eyes, expecting a reaction and while my blood did somewhat boil at the accusatory statement, I didn’t fully understand what she was getting at. Not until she used that voice. Not until she relived that day with those two familiar child-like voices.
“Screw you, Liam!” She cried out in a voice I remember from my childhood. “I hope you drop dead!”
“Stop.” I demanded.
“Piss off, Ryan!” She shot back in a second boy’s voice.
“I said stop!” I began shouting.
“Help me, Ryan! Please, help me! I’m sorry! Please, Lucky Dime, help me!”
I then lunged toward her, reaching my hands out toward her neck only to be stopped by the shackles as she swiftly, almost without even moving, stepped just out of my reach.
“Fucking bitch!” I screamed out.
“If only you really cared about me, Lucky Dime,” sighed Mrs. Larson as she turned and began making her way to the side of the room where a cart stood in the shadows. She pulled it over to Kate’s side, the cart covered in rusted medical tools.
“P-Please,” Kate wheezed, “p-p-please… I… I d-d-don’t w-want… Want t-to d-d… D-Die, I… I w-w-want m-m-m… My m-mom!”
“Dooooonnn’t woooorrrrryyyyy,” Mrs. Larson soothed, using that mix of different voices, “mmmmmmaaaayyyyybeeee sheeee wiiiillll cooooommmme loooookinnnng ffffooooorrrr yooouuuuu aaaaannnnnd sheeeeeee caaaaannnnn joooooiiiiiinnnn youuuuuuu.”
Kate began to sob, begging and pleading for Mrs. Larson to let her go, thrashing around in her restraints. Telling the older woman that there was no saving her sister and that she was too far gone for this sick ritual to work anymore. I tried to yank at the chains once more, trying to loosen it at least enough to break free and grab at Mrs. Larson.
“Rrrrrrreeeeellllllaaaaax,” Mrs. Larson ordered as she began filling a syringe with some kind of clear liquid from a small bottle, “yoooouuuuuu woooooonnnn’t eeeeeveeennn fffffeeeellll iiiiiiit, thiiiissssss wiiiiiillllll puuuuuut youuuuu toooo ssssssllllllleeeeeep aaaaaannnnnnd wheeeeeennnnnn youuuuuu waaaaaake uuuuuuuup, youuuuuuu’lllllll beeee iiiiiinnnnnn heeeeeaaaaaaveeeennnnn… Uuuuuunnnnnnnllllllessssss youuuuuuu weeeerrrrrrre aaaaaa haaaaaarrrrrlllllooooooot, iiiiiiinnnnnn whiiiiiiiich caaaaaassssssseeeee, mmmmmaaaayyyy Goooooood haaaaaaaave mmmmmmmmerrrrrrrcccccyyyyy ooooonnnnn youuuuuur ssssssoooouuuuullllll… Aaaaannnnnd baaaaaaasssssed ooooonnnn hoooooow youuuuuu drrrrressss aaaaannnnnd theeeee coooommmmpaaaannnnyyyy youuuuuu keeeeeep,” She added as she eyed me, “IIIIIII ssssssaaaaaayyyy youuuuu haaaaaave aaaaa lllllloooooot ooooooffff fooooooorrrrgiiiiiviiiiinnnnng tooooo dooooo.”
Kate continued to cry as Mrs. Larson pushed the needle of the syringe into her arm, pushing down on the plunger as it pierced the flesh. Kate’s loud screams soon turned quieter and her red eyes began to glaze over, but she continued to stay awake, tightening her grip on the table and still begging to be let go.
“IIIIII waaaaannnnt youuuuu toooo waaaaatch, Detective,” Mrs. Larson spat out my title in Mr. Blackwell’s voice, “IIIII waaaaannnnnt youuuuu toooo waaaaatch herrrrrr fffffaaaaaade aaaaaannnnnnd mmmmmeeeee rrrrreeeemmmmooooove heerr heeeaaaarrrrrt toooooo ffffffeeeeeed tooooo mmmmmmyyyyyy ssssssiiiiiiiissssssterrrrrr,” she then pulled out a recorder, “theeeeennnnnn wheeeeeennnnn IIIIIII ssssssuuuuummmmoooooonnnnn herrrrrrr aaannnnd sheeeee fffffiiiinnnniiiishessssss oooooofffffff heeeerrrrr heeeaaaaarrrrrt, youuuuuuu’llllllll beeeeee neeeeeext.”
“Fuck you,” I snarled, “I hope you and your sister burn.”
“IIIIIIIII’mmmmm gooooonnnnnaaaaa gooooo aaaaallllllerrrrrrt mmmmmyyyyy ssssssiiiiiiissssterrrrrr,” Mrs. Larson turned and began making her way to the basement steps, “ssssseeee youuuuu boooooth ffffffoooooorrrr diiiiiinnnnnnerrrrrrr.”
She then pressed the play button on her recorder and a small, little girl’s voice echoed in the room before Mrs. Larson vanished up the steps.
“I’m here… I’m here… I’m here…”
Then the door slammed shut.
“De… Tec… Tive…” Kate squeaked out, her breathing slowing.
“Stay awake, Blackwell,” I ordered her gently, looking around frantically for anything to get us both out of this alive, “I’ll get us out of this, I promise, just stay awake, we’ll get out of here, I just need-“
“I’m… S… Sorry…” she breathed out. “I’m… So… Sorry… For… Get… Getting… You… In… To.. This…”
“No, no, this is not your fault!” I assured her. “That psychotic bitch got us both into this shit and I won’t stop until I get us out and put her and her fucking sister are six feet under!”
“W…Wha… What… H… Hap… Happened… To… To L… Liam…?”
I stopped struggling with the chains and turned to look to Kate. Her head was turned to me, her face wet, hands clenching as hard as they could to the table beneath her, the light in her eyes slowly fading second by second. She was trying desperately to stay awake. The medication Mrs. Larson taking hold of her as the minutes ticked by.
I dropped the chains that were in my hands, looking away from her, wanting to stare at anything other than another person I had failed.
“He was killed,” I answered, “we were fishing at a lake nearby… Lake Gaagige… We got into a really stupid ass fucking fight about how which fishing pole we were going to use. I wanted to use our dad’s, but Liam was older and said only men could use dad’s fishing pole… I told him… To drop dead and stormed off… When I got home, my parents dragged me back to the lake and scolded me for leaving him…” I trailed off, swallowing all the tears and screams I’d bottled up since that day. “When… We found… Him… The autopsy… Said he was mauled by a bear… I’ve blamed myself for leaving him there alone… For letting him die and getting killed like that… The last thing I ever told him was to drop dead… I was a shitty brother and now I’m a shitty detective…”
“Is… Is he… Why… You became… A… Detective…?”
I took a deep breath and swallowed the tears again. “No, Blackwell,” I answered, “he’s not why I became a detective… I already knew what had killed him… It was my fault… If I hadn’t been such a brat and stormed off… He might still be alive… And now… What that bitch said…” I replayed Liam’s screams that escaped Mrs. Larson’s mouth. “I’m starting to think I’m getting what I deserve. Karma’s back to kick my ass…”
“H… How… Old…?”
“I was six… Liam was eight…”
“N… N… Not your… F… Fault…”
I turned to look to Kate, her eyes on mine, however faded.
“Y… You were… Only… A k… Kid…”
I took another intake of what little air there was down in that basement. I had spent years trying to convince myself of the same thing, but those moments never got easier for me when those thoughts returned.
“I think you’re just being nice,” I laughed painfully, “but I’m afraid I- and my folks- don’t share the same sentiment.”
I was staring down at where the chains were coming from in the ground, Kate not saying a word for over a couple of minutes. I spun to see if she had fallen asleep and immediately tried to find out how to wake her up again. However, once I our eyes met, I saw that she was still fighting sleep, the last of her tears rolling down across the bridge of her nose and into her hair.
“I… I… I had… Had a c… Crush… O… On… J… Jasper…” she confessed, her voice getting quieter and higher. “P… Paul and… And Son… Sonja knew… I never… Never c… Cared f… For Luke… But I’m… Sure… S… Sonja t… Told him…” she looked like she was going to sob again. “I… I never g… Got the… Ch… Chance… T… To tell J… Jasper… I… Was… Scared… He… He and… P… Paul were friends… And I… I kn… Knew… How P… Paul f… Felt… A… About m… Me… I… I did… Didn’t wa… Want to… R… Ruin… Anyth… Anything…” She took a gulp of air. “I… I ha… Hated L… Luke… I… A… Always… Kn… Knew… He… He was a… Player… B… But Sonja… Said… Said she was hap… Happy… So… So I did… Didn’t wa… Want to g… Get in… H… Her way… B… But Luke d… Didn’t l… Like h… How cl… Close… We… Were… I d… Didn’t w… Want him to make… Make her th… Think I… I was l… Leading her o… On… T… To get them… To b… Break up… Th… Then… That n… Night… Sh… She w… Wanted to… To leave…” She let out two pained gasps of breath. “I… I let them down… I let them all down… Luke pro… Probably thought… Thought I w… Was the one who… Who f… Filled Sonja’s mind… With thoughts of… Of him ch… Cheating… Th… Then I… I got them… All killed…
I… I didn’t deserve them, d… Detective…” she went on, looking away from me to stare up at the water damaged ceiling, “I… I… I was a… Terrible… Terrible friend…”
“Did you read their guest book entries?” I asked.
“N… No… D… Didn’t w… Want to… To r… Read any… Anything p… Private…” Kate answered.
“Jasper didn’t blame you,” I assured her, remembering what he had written in his entry during his time watching Mrs. Larson just outside the cabin, “even when he heard the voices- when he heard Mrs. Larson- telling him to, he didn’t. I don’t think the others blamed you either. You didn’t do anything wrong, Ms. Blackwell, there’s no way you could have known any of this would happen.”
“K… Kate…”
“What?”
“C… Call… Call me… Kate…”
“Aright, Kate,” I let out what little laughter I had left inside me, “so long as we’re the last people we’ll be chatting with, call me Ryan.”
“R… Ryan…”
“If we at all live through this, I’m going to need a long vacation after this,” I said as I turned to look at my shackles again, looking around myself to try finding anything to Get free since a vacation sounded like something to die for at that moment, “do you know any good vacation spots I can book for the fall?”
“Y… You’re… You’re a… Dick…” Kate struggled to laugh.
“I also enjoy pineapple on pizza,” I winked as I reached down to my ankle, ready to break it just to taste that sweet combination of tomato sauce and fruit.
“G… God… I… I c… Can’t… Believe… I th… Thought y… You w… Were c… Cute…”
I sat down on the floor, grabbing my ankle with both my hands. Needing to hype myself up enough to do what I was going to do, I began removing my shoe and sock from the foot, rubbing and squeezing my way up and down the ankle to my toes. I had never broken a bone in my life before this and I definitely never thought I’d do it of my own volition, but this was a desperate time and it definitely called for desperate…
“Wait what?” I turned to look to Kate, finally registering what she had said.
However, just before I could be sure of what I heard, the sound of a hunting rifle going off just above our heads right before we heard the door to the basement swing open and immediately be slammed shut. Both Kate and I turned to see someone stumble down the wooden steps, his clothes torn and body scratched and cut to a nearly deadly degree. I was even shocked he was still breathing.
“M… Mr… R… Raines…?” Kate gasped out.
“What’s left of me at least,” Mr. Raines grumbled as he limped over to Kate and quickly began undoing her straps to the table, “damn thing almost ripped my head off, but one swing of the barrel to its eye and I was able to get away… Can’t say it didn’t do its damage though… I’m… Getting really fucking hungry…”
He shook his head violently before limping over to me. He then raised an eyebrow at me when he saw how I was positioned still on the floor with a bare foot in my hands shackled to the floor.
“I… I was… I… I thought you were-“ I stammered.
“I am,” Mr. Raines interrupted, “at least, I’m on my way there anyway.” He then retrieved my Glock from his back pocket. “I don’t know what that thing did to me, but I’m not gonna make it out of this alive, or the way I came in. It’s a massacre out there by the way. Lot of men in blue bodies out there… Very… Hard to ignore… Sure more will be on their way. So.”
With that, Mr. Raines pointed at my chains and pulled the trigger on my clock, barely giving me time to cover my ears as the sound rung out loudly in the basement. I shook my head, trying to undo the blurry and ringing side effects of the sound of a gun going off near your head. I gave the older man a glare before standing and snatching my Glock from his hands. That’s when I saw Kate shifting herself to the side of the metal table she was no longer tied to, trying to get her limbs to comply with her to help her off and on to the floor.
I ran over and grabbed her just as she nearly stumbled face first to the floor and lifted her up to her feet, her body heavy with lack of keeping herself up.
“Do you think you can walk?” I asked, trying to keep her on her feet.
“I… I don’t… I…” Kate stammered as she tried to push herself off of me while also using using me as a crutch until she could stand on her own. However, she didn’t seem to be able to put any kind of pressure on her legs without falling down.
“Kate?” A girl’s voice called out from above us.
Feeling Kate shudder, I realized that it must have been the sound of Sonja’s voice and Mrs. Larson was using her to keep Kate from running. I quickly swung my arm down behind her knees, pressing the other down on her back as I lifted her up off the floor, my Glock at the ready as I kept it pointed in front of me while my arm held up Kate’s knees.
“She must have heard the gunshots,” I pointed out, “how’d you get past her in the first place?”
“I set the other cabins on fire,” Mr. Raines answered as if it were the simplest of answers, “I had to distract her somehow and give those bodies she’d been eating a better fate than becoming her shit.”
“Are you planning on setting this place on fire too?” I asked.
“‘Course I am!” Mr. Raines exclaimed, seemingly offended I’d even ask. “I already doused it in gasoline, I ain’t wasting all that time!”
“Kate!” Sonja’s voice cried out, getting closer to the basement door. “Are you seriously leaving me here to die alone again!”
“Please… Make it… Stop…” Kate sniffed as she gripped my shirt and burying her face into the fabric.
“Let’s get you two out of here.” Mr. Raines began leading the way to the basement stairs, cocking his rifle as he did so.
“What about you?” I asked, immediately following after him.
Mr. Raines didn’t answer as he stomped up the stairs and kicked the door open to the first floor of the cabin. The stench of the gasoline he had spilled hitting me harshly in my face.
“Kate!” Sonja’s voice, along with a different crescendo of male voices shrieked out as Mrs. Larson appeared from the corner of the hallway where the basement was located.
“Leighton?” A different woman’s voice asked the moment the old woman’s eyes spotted Mr. Raines. I then watched in both shock and confusion as it almost looked like the very skin on the woman melted off to reveal a much younger woman. The woman I recognized as Bonnie Collins. “Leighton… Love is that you?”
Mr. Raines kept his rifle on the vision of the woman he once loved before her murder, but didn’t move or speak.
“Darling, I’ve missed you so much!” The fake Bonnie cried out as she began making her way to Mr. Raines with arms open wide to hug him.
Mr. Raines then lifted his gun up higher, placing his finger on the trigger which caused the vision to stop in her place.
“Leighton?” The fake Bonnie asked. “Baby, it’s me… Bun-Bun… Don’t you recognize me…?” She began to tear up.
“You’re not my Bunny,” Mr. Raines growled before he shot once at the woman.
The fake Bonnie swiftly dodged the bullet, an inhuman hiss coming from an unhinged mouth, revealing a row of long, sharp teeth. The skin of Bonnie then melted off to reveal another woman, a lot younger than the first one it intimidated. The face of one of the victims upon being brought on this case.
“Kate,” the fake Sonja called out, “Kate, what are you doing? Who are these men? Why are they trying to hurt me?”
Kate let out a sobbing gasp, her nails digging into my shoulder with her arm wrapped around my neck.
“Didn’t I suffer enough?” The fake Sonja asked. “First my boyfriend and now you? Why don’t you want to be with me anymore?”
“Shut up!” Kate demanded. “You’re not Sonja! You killed her, you killed all of them! I don’t care what happens to me, but I’m not letting their memories end with you!”
Kate then snatched my Glock from my hand under her legs and shot directly at the fake Sonja’s head. Again the shot missed as the fake vision of the girl slithered out of the way, a frustrated growl of a dog and human escaping it’s mouth. It then zipped to the side, cowering with its back to us on the floor.
“Lucky dime…” A child’s voice then took over. The vision’s skin melting now to a much smaller figure. “Is this what you want? To kill me all over again?” He turned to look up at me, Liam’s face forever eight-years-old staring up at me. “It’s no wonder mommy and daddy hate you now… You were always a shitty brother… Now, I’m gonna starve to death because you’d rather help a couple of strangers.”
“I’m sorry, Liam,” I replied, everyone, including the fake Liam looking to me in surprise, “I left you alone out here and that’s what got you killed by that thing out there and I’m sorry. But, if I’d stayed it may have been both of us and then mom and dad would have no one left to blame but each other. If you had left and I was the one killed, you’d probably be in my shoes instead. I’m sorry for letting you get killed, but I’m gonna make up for it now.”
I then took my Glock back from Kate and pointed it to the vision of Liam.
“Good bye, Liam.”
I shot the gun once again, missing the creature again, however, this time I just kept shooting, Mr. Raines following after. Our different bullets just kept firing, the thing dodging and trying to get closer to us. The creature screeched out at us in a myriad of different voices both familiar and unknown. It wasn’t until one shot from my Glock struck the creatures shoulder and Mr. Raines’ rifle struck its head when the skins of everyone it was trying to turn into all melted off, revealing Mrs. Larson once again.
However, this time, she looked shriveled, older than she looked before. Her face looked deformed, beginning to grow furry, her eyes growing nothing but red, no irises, no pupils, just red. Her hair grew longer, branches like antlers growing painfully out from her skull, breaking the skin as they grew larger. The lower half of her face grew elongated, turning into that of a muzzle of fangs and a drooling mouth.
“You… All… Have no rrrrrrriiiiiight!” A different, unknown voice snarled out from what used to be Mrs. Larson. “People liiiiiike you all… Abandoned me and myyyyyyyyy sister!” The fur growing around this thing grew out short and shaggy, the cloths it was using melting off with the skin and flesh it was wearing. It now didn’t look anything like a human woman. It now took the form of a large wolf mixed with that of a deer, it’s body dog-like with hooves, antlers, and a long, scraggly tail. “You lot abandoned us here! You left us all here to diiiiiiiie!”
Guilt was weighing down on me with each syllable it was growling. Kate looked away from it, burying her face in my neck as Mr. Raines lowered his rifle.
“Nooooow, you’re bringing more here to just leave and let die out here!” It went on, it’s horrifying, broken body shuddering. “Why let them just vanish and die up here when they can bring people like my sister and I back? Give me Kate’s heart and fix what you threeeeeeeeee failed!”
Mr. Raines then handed over his rifle to Kate, placing it down on her stomach as her hands were still wrapped around my neck. The older man made his way over to stand over the thing, its neck creaking like a rusted door as it turned its wolf-like head to look up at him.
“Leighton…” Bonnie’s voice came from the creature. “Give mmmmeeeee her heart aaaannnnd we can be togetherrrrr again… If you eat the deeeeeetective’s we can saaaaaave you tooooooo…”
“My Bunny’s dead,” Mr. Raines told it as he dug in his pocket and took out a carton of matches, “and so am I.”
“You’d burn your wife?” A mix of Bonnie and Mrs. Larson’s voices shrieked as it glared at the match he took from the match box.
“You’re not my wife,” Mr. Raines told it, “and I’ll never see her again.”
“Fooooooool,” Mr. Larson’s voice chuckled, “you’llllllll killllllll us both!”
“With the shit I’ve done in my life, I know you’re taking me to Hell with you,” Mr. Raines growled back as he struck the match on the box, “so I’m sure as fuck not afraid to burn here on Earth with you!”
Mr. Raines then dropped the match to the floor right before the creature and everything around the two of them immediately went up in flames, the fur of the creature catching quickly and engulfing it. An agonized shriek echoed out all around us, the creature thrashing in the fire it had gotten swallowed up in. Mr. Raines then grabbed it by it’s long, furry throat and swung it down back flat the floor, jumping to pin it down.
“Get out!” Mr. Raines cried out to me. “Leave here!”
Not needing to be told twice, I held onto Kate tightly and bolted past the two burning bodies, jumping over the fire as it began growing fast throughout the cabin. I quickly got to the front door and stopped to look back to see Mr. Raines fighting the creature and preventing it from coming after us, it begging for me to bring Kate back and that it would die without her.
“I’ll clear your name,” I called back, trying not to reel back in horror as I saw Mr. Raines skin begin to melt off, “I’ll let people know you didn’t kill Bonnie!”
“I’ll let people know you didn’t… Kill… Liam!” Mr. Raines’ voice called back, him thrashing around with Mrs. Larson as he said my brother’s name in my voice.
I turned back and kicked the front door open, rushing Kate out of the burning cabin. I ran until I got far enough from the smoke, turning back to see all three cabins now on fire, the area around them all ablaze. The only place untouched was Mrs. Larson’s house, all the evidence remaining. I could hear sirens in the distance coming closer. The sounds of shouts from the surviving officers sounding much closer.
“I’m here… I’m here… I’m here…”
I looked to the front porch of Mrs. Larson’s house where her recorder continued to call out for her sister. I set Kate down at the base of a nearby tree and ran to snatch the recorder, shutting it off. I searched around, looking for any signs of Prudence, but it appeared that the fire and the sounds of sirens and voices had scared her off. I ran back to Kate, her eyes closed and her not responding to me calling to her, but after checking her pulse and breathing, I found that the medication Mrs. Larson had given her had finally taken over and she was now fast asleep, the rifle Mr. Raines gave her still sitting on her rhythmically rising and falling stomach.
Letting out a sigh of relief, I leaned against the same tree I set Kate down on and slid down to the ground next to her. The first two cabins were already practically nothing but ash, the last still blazing as I heard the slowly fading screams of Mrs. Larson and Mr. Raines coming from inside.
When the screaming ended all together, the smoke turning blacker as it rose from the flames, I got to my feet and took out my pack of cigarettes as I approached the fires, staying far enough away not to get burned. I opened the pack up before stopping myself as I reached for one of the ten remaining cigarettes inside. I then flung the entire carton into the fires without taking one.
“Save one for me down there, you old bastard,” I told Mr. Raines before making my way back to Kate’s side.
It wasn’t long before the remaining officers found us, looking in confusion at the fires and to me with a sleeping victim in a homicide case on the ground. I told them we’d need to call an ambulance for Kate and that we needed to keep the flames from getting to Mrs. Larson’s house as it held evidence on the case. One officer retrieved his radio and called for an ambulance while a group ran to the house and another went to try controlling the fire as best they could by yanking out any bushes near by and throwing them away from the area around the house.
Luckily, the fire trucks were called long before the fire spread too far, residence noticing it practically the moment Mr. Raines set the first cabin on fire.
As I sat there, keeping Kate held up against the tree we sat under, I listened to the crackling of the fire, the sirens of fast approaching fire trucks and the ambulance, and the sounds of distance, coyote, almost human, howling.

Howdy,
So I receive a set meal allowance tax free for the first hour of overtime per day. And I buy food most of the time when this happens out on the road.
It says on the ATO website that the reasonable amount for overtime meal expenses is 33.25 that you can claim without receipts.
So does this mean that each overtime day that i spend upto $33.25 on lunch out on the road, I'm then able to claim up to that amount back without a receipt for each individual day at tax time?
cheers.

hello guys, i’m 23, gonna be 24 in a couple months and was wondering if my financial direction seems correct and needing help with investing.
currently i’m working and living in California and my job pays me 93k salary. i take home approximately 4.4k monthly after taxes and deductions.
i currently have 71k in a CD 5.25% APY that will end in 2 months and have 20k in a HYSA 5.3% APY. i have around 3.5k in my checking acc im living off to pay off credit card usage and daily expenses. i have no debt other than monthly spendings which i always pay off.
my company also has a 8% 401k match which i contribute 8% as well per paycheck. i have 31k in my 401k and recently created my ROTH IRA and maxed out for 2023 with 6.6k in it and planning on maxing out 2024 at 7k end of the next tax year.
i was wondering what i should do in terms of investing my money, would it be safe to throw in the SnP500 such as VOO or FXAIX or should i wait for my CD to end and chuck in 100k into another CD? i was also planning on using this money as a down payment towards a condo / apartment within the 500k range.

hello guys, i’m 23, gonna be 24 in a couple months and was wondering if my financial direction seems correct and needing help with investing.
currently i’m working and living in California with rent being (775) and my job pays me 93k salary. i take home approximately 4.4k monthly after taxes and deductions.
i currently have 71k in a CD 5.25% APY that will end in 2 months and have 20k in a HYSA 5.3% APY. i have around 3.5k in my checking acc im living off to pay off credit card usage and daily expenses. i have no debt other than monthly spendings which i always pay off.
my company also has a 8% 401k match which i contribute 8% as well per paycheck. i have 31k in my 401k and recently created my ROTH IRA and maxed out for 2023 with 6.6k in it and planning on maxing out 2024 at 7k end of the next tax year.
i was wondering what i should do in terms of investing my money, would it be safe to throw in the SnP500 such as VOO or FXAIX or should i wait for my CD to end and chuck in 100k into another CD? i was also planning on using this money as a down payment towards a condo / apartment within the 500k range.

hello guys, i’m 23, gonna be 24 in a couple months and was wondering if my financial direction seems correct and needing help with investing.
currently i’m working and living in California and my job pays me 93k salary. i take home approximately 4.4k monthly after taxes and deductions.
i currently have 71k in a CD 5.25% APY that will end in 2 months and have 20k in a HYSA 5.3% APY. i have around 3.5k in my checking acc im living off to pay off credit card usage and daily expenses. i have no debt other than monthly spendings which i always pay off.
my company also has a 8% 401k match which i contribute 8% as well per paycheck. i have 31k in my 401k and recently created my ROTH IRA and maxed out for 2023 with 6.6k in it and planning on maxing out 2024 at 7k end of the next tax year.
i was wondering what i should do in terms of investing my money, would it be safe to throw in the SnP500 such as VOO or FXAIX or should i wait for my CD to end and chuck in 100k into another CD? i was also planning on using this money as a down payment towards a condo / apartment within the 500k range.

I have been investing 21k per month in the following mutual funds. I am planning to put another 5k per month into Bandhan Nifty Alpha 50 Index Fund.

1. Bandhan ELSS Tax Saver Fund - 10k per month

(I know the lock-in period is a disadvantage, but I have had awesome returns on this. Hence, I am planning to continue this for 1 year and then reduce the amount to 5k per month. I plan to use the remaining amount as a step-up for my other SIPs.)

2. Parag Parikh Flexi Cap - 5k per month 3. Motilal Oswal Midcap - 3k per month 4. Quant Small Cap Fund - 3k per month 5. Bandhan Nifty Alpha 50 Index Fund - Planning for 5k per month

Is this a good idea?

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